Call reports 2007
UNITED COMMUNITY BANK — 2007
What UNITED COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 207,188,000 | 203,830,000 | 199,736,000 | 201,334,000 |
| Total loans | 186,468,000 | 181,832,000 | 179,569,000 | 173,892,000 |
| Allowance for loan losses | 1,895,000 | 1,895,000 | 1,893,000 | 1,897,000 |
| Securities available for sale | 1,681,000 | 1,564,000 | 2,078,000 | 2,850,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,564,000 | 174,115,000 | 174,090,000 | 175,984,000 |
| Interest-bearing deposits | 170,777,000 | 162,347,000 | 161,908,000 | 161,984,000 |
| Noninterest-bearing deposits | 10,787,000 | 11,768,000 | 12,182,000 | 14,000,000 |
| Equity capital | 20,166,000 | 20,235,000 | 20,304,000 | 19,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,347,000 | 6,697,000 | 10,006,000 | 13,258,000 |
| Interest expense | 1,785,000 | 3,412,000 | 5,016,000 | 6,553,000 |
| Net interest income | 1,562,000 | 3,285,000 | 4,990,000 | 6,705,000 |
| Noninterest income | 296,000 | 617,000 | 869,000 | 1,121,000 |
| Noninterest expense | 1,309,000 | 2,623,000 | 3,873,000 | 5,404,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 549,000 | 1,279,000 | 1,986,000 | 2,422,000 |
| Income tax | 30,000 | 60,000 | 90,000 | 104,000 |
| Net income | 519,000 | 1,219,000 | 1,896,000 | 2,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,872,000 | 16,948,000 | 16,994,000 | 16,646,000 |
| Total capital | 18,767,000 | 18,843,000 | 18,887,000 | 18,543,000 |
| Risk-weighted assets | 184,301,000 | 180,148,000 | 177,533,000 | 173,436,000 |